Financial guru Dave Ramsey continues to stir controversy, advising that many think only the wealthy are equipped for it. This time, it’s his 8% retirement rule. On an episode of “The Ramsey Show,” Ramsey rants about the “moronic” advice that financial experts are telling people to withdraw only 4-5% of their investment portfolios. Ramsey firmly believes that retirees can safely withdraw 8% of their portfolio’s starting value each year, adjusted for inflation, without depleting their principal. However, many critics almost unanimously agree that this advice is unrealistic and potentially danger…